HIGHLAND BUSINESS SUITES LTD
🌳Matureactive
SC488315 · ltd · incorporated 2014-10-07
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-234.5k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · oldest 10.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £234,527
Cash YoY
+18%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£33k
↑ 18% YoY
Net Worth
-£235k
↑ 29% YoY
Current Assets
£69k
↑ 45% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.48M | £1.53M |
| Current assets | £69.0k | £47.5k |
| Cash | £33.2k | £28.1k |
| Debtors | £35.8k | £19.4k |
| Net assets | £-234.5k | £-329.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-20📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-20📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-26🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2021-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-12📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-12📄change-person-director-company-with-change-dateofficers · CH01
- 2019-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-06🔓Charge satisfied #1
- 2016-01-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2015-12-16🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2014-10-07🏢Company incorporatedAs HIGHLAND BUSINESS SUITES LTD
- 2014-10-07➕DOW, Henry appointeddirector
- 2014-10-07➕LISTER, Julie appointeddirector
Owner dependency
78/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 73 — succession pressure is live.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
71/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Julie Lister Individual · British · DOB 06/1983 · age 43 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 27/06/2025 |
Mr Henry Dow Individual · British · DOB 04/1953 · age 73 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mrs Patricia Joan Dow Individual · British · DOB 07/1956 · age 70 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| KEY INVESTMENT SOLUTION LTD→ SC466633 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| KRM SKYE LTD→ SC806000 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| KYLE & LOCHALSH COMMUNITY TRUST→ SC430036 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| KYLEAKIN FEUS, LIMITED→ SC028292 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
| LASHLEY HOMES LIMITED→ SC546666 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| LAWNMARKET LIMITED→ SC547525 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| LAWSON PROPERTY ENTERPRISES LIMITED→ SC855244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LEEM PROPERTY LIMITED→ SC678145 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LETTING-IN-SCOTLAND LTD.→ SC231382 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| LETTINGS INVERNESS LTD→ SC471619 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| LGS HIGHLAND PROPERTY LIMITED→ SC801146 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| LGS PROPERTY CROMDALE LTD→ SC853554 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2014-10-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
The Green House
Beechwood Business Park North
Inverness
Inverness-Shire
IV2 3BL
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07
Officers (2 active · 0 resigned)
Active
LISTER, Julie→
Activedirector · ~43y · appointed 2014-10-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 26/05/2022 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 14/01/2016 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 16/12/2015 | 06/09/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (38 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-20
change-person-director-company-with-change-date
officers · CH01
2022-09-20
change-person-director-company-with-change-date
officers · CH01
2022-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-02